Life Insurance without Medical Exams?

Can you buy life insurance without taking any medical examination?

Yes, life insurance companies offer life insurance plans with no exams required.

How does it work?

It depends on the insurance company requirements and the type of life insurance plan.

Most no exam life insurance plans come in one of two forms: Simplified Issue Term or Guaranteed Issue Whole Life.

Each type of no exam life insurance plan will have age requirements and limits on how much life insurance they offer.

For example, some carriers offer up to $350,000 of term life with no exam, but a few health questions asked, for people age 20 to 60.

As for guaranteed issue life insurance, some carriers offer up to $25,000 of coverage for people ages 45 to 85. There's no health exam required and no health questions asked for guaranteed plans.

Here's how you can compare life insurance without medical exams